LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,118
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,988
−HK$1,900/mo
Today · 4.125%
HK$63,888
baseline
▲ 0.50% · 4.625%
HK$67,775
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,776/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,880
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,674
−HK$1,820/mo
Today · 4.125%
HK$70,494
baseline
▲ 0.50% · 4.625%
HK$74,209
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,988/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,141
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,385
−HK$2,280/mo
Today · 4.125%
HK$76,665
baseline
▲ 0.50% · 4.625%
HK$81,330
+HK$4,665/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,330/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,256
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,409
−HK$2,183/mo
Today · 4.125%
HK$84,592
baseline
▲ 0.50% · 4.625%
HK$89,051
+HK$4,459/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,184/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,165
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,783
−HK$2,660/mo
Today · 4.125%
HK$89,443
baseline
▲ 0.50% · 4.625%
HK$94,885
+HK$5,442/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,886/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,632
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,144
−HK$2,547/mo
Today · 4.125%
HK$98,691
baseline
▲ 0.50% · 4.625%
HK$103,893
+HK$5,202/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,382/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,212
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,578
−HK$3,420/mo
Today · 4.125%
HK$114,998
baseline
▲ 0.50% · 4.625%
HK$121,995
+HK$6,997/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$229,996/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,385
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,613
−HK$3,276/mo
Today · 4.125%
HK$126,889
baseline
▲ 0.50% · 4.625%
HK$133,577
+HK$6,688/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,778/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,489 · Scale 2, in force from 26 Feb 2026)